MoneyUnder30.com
Simple. Honest. Personal finance.
MoneyUnder30.com

The FDIC: What It Is and Why You (Might) Need It

The Federal Deposit Insurance Company (FDIC) is a division of the United States government that insures bank deposits up to $100,000 each. The FDIC was founded after the Great Depression, when many troubled U.S. banks failed under economic pressures … [Read more...]

Despite Fed Decision, Banks Are Moving Interest Rates

I find it interesting that even though the Federal Reserve opted not to lower interest rates this week, some banks are adjusting their interest rates anyway. HSBC Direct lowered its online savings rate from 3.50% to 3.25%, giving competitor FNBO an … [Read more...]

Q&A: Can I Avoid Falsifying My Income on a Credit Application When I’m Temporarily Unemployed?

Brittany writes: I am an ’07 grad with a great credit history. I have a $4,900 credit card balance on a 9.99% APR card. I am considering transferring the balance to a new credit card which offers 0% for 12 months and a low fixed regular APR. My p … [Read more...]

Watch 134 YouTube Videos About People Saving Money

Wanna watch 134 YouTube videos about people saving money? The videos are responses to a contest sponsored FNBO Direct, a high yield savings account that will give away $5,000 to five finalists to be selected in October. … [Read more...]

Q&A: What kind of credit score do I need to get approved for a balance transfer credit card?

Pam asks: Three years ago I racked up debts on several credit cards. I paid those cards off and closed them. Today, my only card has a 19% APR and no rewards. My credit score is only about 600 because I was (quite) late a few times. Today, I am debt … [Read more...]

Make Healthy Fast Food Choices for Less than $5

When given the choice, cooking meals yourself will always be healthier and less expensive than eating fast food burgers. But oh, how tasty—and cheap—those burgers are. So if you must drive through for dinner, here are five fast tips for saving money a … [Read more...]

His Credit’s Good, Hers is Bad: Can You Get a Mortgage Anyway?

Ready to buy a home with the one you love? Got good credit? What about your sweetheart? If not, getting a mortgage may be difficult, not to mention a strain on your relationship. First, you must understand how mortgage lenders view joint mortgage … [Read more...]

Zopa Loans Redefines Personal Loans Using Social Finance

Oct. 27, 2008 -- Unfortunately, Zopa Loans---a UK company---has stopped lending operations in the U.S. due to the tightening credit market. While they will continue to service existing loans, new loan inquiries are being directed to U.S.A. Federal … [Read more...]

How to Start a Business from Your Dorm Room

My biggest regret about how I spent my college years is that I didn’t apply some—or all—of my free time to entrepreneurial pursuits. If you’ve got time between classes, your college dorm room is a great place to start a business. After all, Microso … [Read more...]

How to Save Money on Electricity: 8 Small Steps to Slash Your Electric Bill

I once had a neighbor whose electric meter spun about eight times faster than mine—even when she wasn’t home! I couldn’t imagine what kind of gadgets she was running to consume all that electricity, but I imagine it must have cost her a bundle! If you … [Read more...]